DUI INSURANCE GUIDE 2026

Auto Insurance After DUI

A DUI raises your rates 70–80% but you still have options. Here are the best companies and strategies to get affordable coverage after a DUI conviction.

+75%
Average rate increase after DUI
3 yrs
SR-22 requirement in most states
5–10
Years DUI stays on driving record

Average Auto Insurance Cost After DUI by State

StateBefore DUIAfter DUIIncrease
California$2,800/yr$5,200/yr+86%
Florida$3,200/yr$5,800/yr+81%
Texas$1,900/yr$3,300/yr+74%
New York$3,100/yr$5,400/yr+74%
Illinois$1,500/yr$2,600/yr+73%
Ohio$1,100/yr$1,900/yr+73%

Best Companies After a DUI

#1 Progressive — DUI Specialist
Progressive is the #1 insurer for DUI drivers. They offer the most competitive post-DUI rates and file SR-22 certificates. Snapshot telematics lets you demonstrate safe driving and earn discounts over time.
Lowest DUI RatesSR-22 FilingSnapshot Savings
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#2 State Farm — Best for Long-Term Recovery
State Farm has competitive post-DUI rates and local agents who help navigate SR-22 requirements. Drive Safe & Save telematics helps rebuild your record. Rates improve faster at State Farm after 3 clean years.
SR-22 AvailableRate Recovery Program
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#3 GEICO — Good Rates 3+ Years After DUI
GEICO may not be the cheapest immediately after a DUI, but after 3 clean years they often offer the best rates for formerly high-risk drivers. Worth getting a quote annually to track rate improvement.
SR-22 AvailableBest Post-DUI Recovery
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DUI Insurance FAQ

A DUI increases rates by 70–80% on average. Someone paying $1,500/year can expect to pay $2,550–$2,700/year after a DUI. Rates stay elevated for 5–10 years depending on the state.
SR-22 is a state-required certificate proving you carry minimum insurance. Most states mandate SR-22 for 3 years after a DUI. Your insurer files it with the DMV for ~$25/year extra. Progressive, State Farm, and GEICO all file SR-22s.
A DUI stays on your driving record 5–10 years depending on state. California, Florida, Alaska: 10 years. Most states: 5–7 years. Insurance rates begin improving after 3 clean years even before the DUI falls off your record.
Yes — non-owner auto insurance provides liability coverage while suspended, often required to maintain SR-22. Once reinstated, get a standard policy with SR-22 through Progressive, GEICO, or State Farm.